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youll receive a financial aid award letter from each school where youve been accepted this letter can be a little confusing mainly because theres no standard format the good news is they all have the same basic information lets break down how to read your financial aid award letter first is the cost of attendance or CoA it details the tuition and fees room and board books and other education related expenses the letter lists the types of financial aid youre being offered like scholarships and grants youll also find work-study jobs which are paid on-campus jobs that help cover living expenses next you can see your eligibility for federal student loans which is money borrowed from the government that you have to pay back with interest blasts youll find your expected Family Contribution or EFC this is the amount your family is expected to contribute to your college education once you have these numbers its time to do some ad take the cost of attendance and subtract any financial a